Secured Business Loans

Financing opportunities with property or asset collateral.
Business Finance Team

Benefits of Secured Loans

A secured loan is a funding solution which will be secured against an asset (typically property).

The funds can be used for any business use, including but not limited to, business expansion, equipment, consolidating debt or working capital. This product works in conjunction with Commercial Mortgages and Bridging Loans.

A business may opt for a secured loan because they want to acquire larger finance for significant investments or expansions, secure lower interest rates, leverage valuable assets as collateral, or overcome a less favourable credit history.

It is possible for a business to use a personal asset as collateral. This is often done when the business is relatively new. However, it's important to note that this approach carries personal risk.

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Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000 turnover.

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for the year, we can then apply you as a fully-fledged trading business.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Limited Companies.


How much will a Secured Loan cost?

A secured loan facility can vary in cost. This price will depend heavily on the amount of funds being borrowed, the length of the loan term, and the strength of your business profile. The starting point for Secured Loan interest rates is 0.5%-1% per month.

Am I eligible for a Secured Loan?

Eligibility varies largely from lender to lender, with some much more flexible, some much less. The basic criteria for applying for a Secured Loan is as follows:
- £100k minimum turnover (unless you are a new start-up)
- UK Registered Business
- Own one more valuable assets that you are willing to have secured against the loan

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange a Secured Loan facility ?

Secured Business Loans can take slightly longer than other products to process. This is due to the nature of the product, with valuations needing to be made on the assets in question.

How much money can I get through a Secured Loan facility ?

Business Loans can vary hugely in amount. With a Secured Business Loan, the range can be anything between £25,000 and £5,000,000+.

Why choose Spark Finance?

We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

Recovery Loan Scheme

“Would thoroughly recommend using Spark Finance, we had great service all the way through the process from Perry. We will definitely be back should we need any more finance for my business”

Reviews from our clients

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Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).